Category: Investing

Of all the inspirational books out there, it is these personal finance books that have the ability to completely change your life. They reveal timeless and powerful principles, yet for some reason these concepts are kept from most of us as we go through school!

Which just makes it even more important to make sure you read as many personal finance books as you can. They will not only help you build wealth, but they’ll completely change the way you think, feel, and act…and for the better! Your life will literally be better after reading these. Your only regret will be that you didn’t start them sooner.

So get ready to fill your Amazon cart and library checklist. These are the best personal finance books out there and ones that every single person should read.

This post contains a free printable list of daily affirmations for financial freedom. I highly recommend you print it out and give it a try! Wealth and money affirmations have the power to help you get out of debt, build your investments, and create habits that will transform your financial health.

Since I discovered how powerful daily affirmations are, they’ve been my go-to tool for anytime I’m demotivated or down. AND THEY WORK. Every. Single. Time. But not only do they work when I need a pick-me-up, they also are extremely powerful as a means to achieve any goal I have. Seriously. And right now? That means daily affirmations for full financial freedom – living debt-free, making more money, and having full control over my schedule.

Just as with most big changes, getting out of debt is a lifestyle adjustment. It’s not something you do in one big moment, it’s not something that’s done once and then over. Living debt-free is a lifestyle and a mindset… a really, really great lifestyle and mindset.

So getting out of debt isn’t just about all the things you can do to save or make money (though those help). You can actually get out of debt by simply making little adjustments to your day that have huge and lasting impact. Because when you keep up with these little adjustments, they turn into habits. And that’s when the magic starts!

So if you want to live debt-free and thus financially free, incorporate these habits into your life and watch the magic happen!

The path to financial freedom may be long, but it is exciting and full of opportunities. There are so, so, so many different things you can do to improve your financial health and there’s no better time to start than now!

My husband and I have tons of financial goals, so I am constantly on the lookout for more ways to be a savvy investor, frugal spender, and high earner.

Obviously, the easier the task, the more I love it! So that is what this list is. EASY things that you can do this year (just one a week!) to totally transform your finances and get yourself one big step (or 52 little steps) closer to financial freedom and debt-free living.

I know what you are thinking: “Wow, Nikki. You guys must really have a lot of fun in your house. Budgeting date night. What a blast.” And I get it. Budgeting gets a bad wrap. It’s boring, restrictive, and uncomfortable.

Unless, of course, you make it fun, empowering, and inspiring. Then, budgeting takes on a whole new life and becomes PERFECT for a date night.

THAT is what we do in our house. We’ve turned budgeting into something we look forward to. It motivates and excites us. We love it so much that we do it to relieve stress and relax. If we haven’t seen each other in a while and want to reconnect, we have a budgeting date night.

It makes us financially stronger, it helps to visualize our dreams and set goals, and every time we have one of our date nights we’re one step closer to getting to our ultimate goal of financial freedom and early retirement.

So are you ready to have the best date night ever? Here’s what you need to do to make it perfect:

The Millionaire Next Door, by Thomas J. Stanley and William D. Danko, had been on my list forever. I had pushed it off because I thought it would be similar to the various other “tips to become wealthy” books, but I was totally wrong.

This book is an absolute must read for anyone that wants to be truly financially free or hopes to make a substantial amount of money in their lives…and it’s unlike any other book I’ve ever read.

I am bound and determined to pay off my mortgage early. It didn’t start that way, but a few years into the loan my husband and I realized there were just too many benefits to paying it off, so it needed to happen. Since then, the desire to be debt-free has grown, while the loan balance has shrunk.

It’s an amazing feeling to watch this massive loan get smaller and smaller and I can’t wait for the day that it’s over. What’s even more amazing has been realizing that little changes can actually cut off years of mortgage payments. So, of course, when you add up all those little adjustments, you can seriously impact the length of your mortgage.

As with all major endeavors in life, the first step is always the most important, so if want to pay off your mortgage early, take one of these steps TODAY.

Here’s what I’m doing to pay off my mortgage early (and what you should be doing too!):